Earn up to 25X UNI$

1) Earn 10X UNI$ on your UOB Lady’s Credit Card:

No minimum spend required. Register via uob.com.sg/ladys-enrol and select up to 2 preferred rewards category(ies) for which you will earn 10X UNI$ per S$5 spent in each calendar month. This comprises a base earn rate of UNI$1 for every S$5 spent and a bonus earn rate of 9X UNI$ for every S$5 spent (“Bonus UNI$”) on your selected preferred rewards category(ies). The maximum aggregate amount of Bonus UNI$ you can earn in a calendar month is capped at (a) 1,800 UNI$ which is equivalent to S$1,000 spent, if you are a UOB Lady’s Classic Card, UOB Lady’s Platinum Card or UOB Lady’s World Mastercard Cardmember; or (b) 2,700 UNI$ which is equivalent to S$1,500 spent, with each preferred rewards category capped at 1,350 UNI$ which is equivalent to S$750 spent, if you are a UOB Lady’s Solitaire Card Cardmember; or (c) 3,600 UNI$ which is equivalent to S$2,000 spent, if you are a UOB Lady’s Solitaire Metal Card Cardmember. UNI$ can be converted into air miles at the conversion rate of UNI$1 = 2 miles. Full Terms and Conditions apply, click here.

2) Earn up to an additional 15X UNI$ when you save with UOB Lady’s Savings Account:

You shall be eligible to earn Lady's Savings Bonus UNI$ in a calendar month if you (1) are a principal UOB Lady's Credit Cardholder and a primary UOB Lady's Savings Accountholder and (2) have selected and spent on your preferred rewards category(ies) using your UOB Lady's Credit Card. You shall be eligible to earn 5X, 10X or 15X Lady’s Savings Bonus UNI$ if you maintain a minimum monthly average balance of S$10,000, S$50,000 or S$100,000 respectively in your UOB Lady’s Savings Account in each calendar month. The Lady's Savings Bonus UNI$ you can earn in a calendar month is capped at (a) S$1,000 spent if you are a UOB Lady's Classic Card, UOB Lady's Platinum Card or UOB Lady's World Mastercard Cardmember; or (b) S$1,500 spent, with each preferred rewards category capped at S$750 spent, if you are a UOB Lady's Solitaire Card Cardmember; or (c) S$2,000 spent if you are a UOB Lady's Solitaire Metal Card Cardmember. Full Terms and Conditions apply, click here.

Note: W.e.f 1 August 2025, the maximum Bonus UNI$ you can earn each calendar month with your UOB Lady’s Solitaire Card (excluding UOB Lady’s Solitaire Metal Card) will be revised to:

New monthly cap: 2,700 UNI$ (equivalent to S$1,500 spending)
(Previously: 3,600 UNI$ which is equivalent to S$2,000 spending)

New rewards category cap: 1,350 UNI$ per category (equivalent to S$750 spending)

The Bonus UNI$ earned on the UOB Lady’s Account will also be capped based on S$1,500 in spending (previously S$2,000) and capped at S$750 spend per rewards category when you save with the UOB Lady’s Savings Account and spend on your UOB Lady’s Solitaire Card (excluding UOB Lady’s Solitaire Metal Card).

Based on Singapore Airline's Saver Awards Chart as at November 2025, excluding taxes, charges and fees.

UNI$ can be converted into air miles at the conversion rate of UNI$1 = 2 miles.

*For illustration purpose only. Actual UNI$ earned will depend on the transaction amount for each transaction.

Monthly Average Balance refers to the summation of each day-end balance in the UOB Lady's Savings Account for each calendar month divided by the number of calendar days for that month.

Entertainment

Entertainment comprises of bars, taverns, lounges, cinemas and Ticketing Servicing Providers.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Transport

Transport comprises of Fuel stations, Taxi rides and local commuter transport.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Travel

Travel comprises of airlines, hotels & resorts bookings and duty-free stores.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Family

Family comprises of Grocery stores and Baby & Kids stores.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Dining

Dining comprises of restaurants, fast food restaurants, online food delivery.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Fashion

Fashion comprises of any department store, retail store or shopping website that sells clothes, shoes and bags as its main business activity.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Beauty & Wellness

Beauty & Wellness comprises of cosmetics stores, drug stores, health and beauty stores. 

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Complimentary travel insurance

• Overseas Medical Expenses of up to USD100,000 for both sickness and injury.
• Emergency Medical Evacuation/Return of Mortal Remains.
• Daily In-Hospital Cash Benefit of USD 100 per day.
• Overseas COVID-19 Diagnosis Quarantine Allowance of USD 100 per day.
  

*Cardholder must have completed the Benefit registration process prior to the commencement of their trip. The entire cost of Common Carrier fare must be charged to your UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card. Terms and conditions apply.

Only applicable to UOB Lady’s Solitaire Card and UOB Lady’s Solitaire Metal Card

Cardholder must have completed the Benefit registration process prior to the commencement of their trip. Coverage starts on the day of successful cardholder registration and is valid for 12 months. Click here to register. Click here for full terms and conditions. The entire cost of Common Carrier fare must be charged to your UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card.

The Cardmember who notifies the Bank that her Card has been lost, stolen or PIN disclosed, shall not be liable for any Card transactions effected after the Bank has received notification of such loss, theft or disclosure, provided that such loss, theft or disclosure is not due to negligence, fraudulent act, or default on the part of the Cardmember. Please refer to the UOB Debit Cardmember Agreement for more details.

Please ensure that your mobile number is registered and updated with UOB. Click here for details.